Methodology

MoneyMetric HQ calculators use well-established financial formulas — the same amortization, compound-interest, and present-value equations used across the finance industry. Each calculator page lists the specific formula and assumptions it applies.

Where a calculation relies on an assumption (for example, a default tax rate or compounding frequency), we state it clearly so you can adjust it to match your situation. Defaults are chosen to be reasonable for a general audience, not personalized advice.

Calculators produce estimates based on the inputs you provide. They do not account for every real-world variable — fees, regional taxes, lender-specific terms, and market fluctuations can all change actual outcomes. Always confirm specifics with your provider.

Formula references and source notes accompany each calculator and guide where applicable. We prioritize widely-accepted, peer-reviewed financial principles. See our sources & references page for the foundations behind our math.

We review and update our methodology as standards evolve. If you believe a calculation could be improved, please contact us.